Axos Financial, Inc.

$97.41

+1.52%

2026-09-03 09:55:09 EDT+$1.46

Financial Services

Banks - Regional

NYSE

Active Trading

Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U.S.-based financial institution that delivers a comprehensive array of banking ...

Price Action of AX

$97.41

+1.52%+$1.46

High—

Low—

52W High-7.9%

Rel. vol—

Interval

Range5.4h

Volume—SMA5SMA10

—

Axos Financial, Inc., formerly BofI Holding, Inc., is a financial holding company headquartered in Las Vegas, Nevada, with operations since 1999. The company operates through two main segments: Banking (Axos Bank) and Securities (Axos Clearing LLC). The Banking segment offers a wide array of deposit products including checking, savings, demand, ...Axos Financial, Inc., formerly BofI Holding, Inc., is a financial holding company headquartered in Las Vegas, Nevada, with operations since 1999. The company operates through two main segments: Banking (Axos Bank) and Securities (Axos Clearing LLC). The Banking segment offers a wide array of deposit products including checking, savings, demand, money market, and time deposit accounts, as well as specialized offerings like zero balance and insured cash sweep accounts. Its lending portfolio encompasses single-family, multi-family, and commercial real estate loans, commercial and industrial loans (including asset-backed, term loans, and lines of credit), consumer loans such as auto and unsecured loans, and unique products like structured settlements, SBA loans, and securities-backed financing. Additionally, it provides services like ACH origination, wire transfers, merchant processing, and digital banking tools. The Securities segment offers clearing and back-office services including record keeping, trade reporting, accounting, custody, and securities lending. As of recent fiscal years, Axos has grown to approximately $30 billion in consolidated assets, with a strong digital presence. The company has demonstrated solid financial performance with a revenue per share of $38.61, net profit margin of 22.4%, and return on equity of 16.4% (TTM). Under CEO Gregory Garrabrants, the company has focused on innovation and technology, maintaining a competitive edge in digital banking. With about 1,989 employees, Axos continues to expand its market share in the financial services industry, catering to consumers, businesses, and institutional clients.ExpandCollapse

Founded

1999

Employees

2191

CEO

Gregory Garrabrants

Full Name

Axos Financial, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

16.41%

Market Cap

$5.54B

Current Ratio

0.32

WACC

16.73%

ROIC

-632.66%

Contact Information

http://investors.axosfinancial.com

858 649 2218

9205 West Russell Road, Las Vegas, NV 89148

Key Metrics of AX

Snapshot

Latest / TTM · 6 periods

Market Cap

$5.54B

ROCE

2.2%

EV / EBITDA

6.75x

+0.0% YoY

FCF Yield

1.1%

-3.6% YoY

Cash Conversion Cycle

-84.9d

Current Ratio

0.32

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of AX

Profitability trend

Latest / TTM · 6 periods

Gross Margin

63.0%

Net Margin

22.4%

P/E Ratio

11.21x

n/a

Debt / Equity

0.16

n/a

Current Ratio

0.32

Dividend Yield

0.0%

Understanding

TTM —

Current ratio below 1.0

Calendar of AX

Upcoming

Sep 30, 2026In 26 days
Q1 FY2027 · Estimated results
Est. EPS $2.26 · Revenue $386.96M · 5 analysts
Dec 30, 2026
Q2 FY2027 · Estimated results
Est. EPS $2.39 · Revenue $402.17M · 5 analysts
Mar 30, 2027
Q3 FY2027 · Estimated results
Est. EPS $2.44 · Revenue $409.63M · 3 analysts
Jun 30, 2027
FY2027 · Estimated annual results
Est. EPS $9.66 · Revenue $1.62B · 5 analysts

Recent history

Aug 20, 2026
FY2026 · Annual results
EPS $8.48 · Revenue $2.19B
View filing
Apr 30, 2026
Q3 FY2026 · Results reported
EPS $2.15 · Revenue $564.23M
View filing
Jan 29, 2026
Q2 FY2026 · Results reported
EPS $2.22 · Revenue $562.94M
View filing
Oct 30, 2025
Q1 FY2026 · Results reported
EPS $1.94 · Revenue $493.87M
View filing
Jun 30, 2025
FY2025 · Annual results
EPS $7.43 · Revenue $1.93B
Mar 31, 2025
Q3 FY2025 · Results reported
EPS $1.81 · Revenue $461.92M

Financial Statements of AX

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$2.2B	+13.5%	+0.9%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$490.4M	+13.3%	+0.2%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+63.0%	+2.4%	+4.5%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+29.5%	-7.1%	-6.5%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+22.4%	-0.2%	-0.7%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$260.0M	-40.4%	-387.9%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+11.9%	-47.5%	-385.3%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	33.9%	+143.9%	-82.9%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.32x	+182.6%	+249.4%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$30.0B	+20.9%	+2.4%

Actual vs Estimate

A Jun 30Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	8.48 vs 8.47	+0.1%	2.16 vs 2.16	+0.2%
Revenue Surprise	$2.2B vs $1.5B	+49.9%	$569.5M vs $375.5M	+51.6%

Insider Transactions of AX

Acquisitions (A)

Since Mar 20, 2026

Disposals (D)

Since Mar 20, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 5, 2026	Santi Roque A	director	Common Stock	D	500	$105.30
Jun 30, 2026	Garrabrants Gregory	director, officer: President and CEO	Common Stock	A	202,032	$97.39
Jun 30, 2026	Garrabrants Gregory	director, officer: President and CEO	Common Stock	D	108,995	$97.39
Jun 30, 2026	Garrabrants Gregory	director, officer: President and CEO	Restricted Stock Units	D	202,032	—
Jun 8, 2026	Constantine Thomas M	other: EVP, Chief Credit Officer	Common Stock	D	1,994	$88.55

Earnings Call Transcript of AX

1 transcript segments

Q4 2026

Unknown Speaker

Operator: Greetings, and welcome to the Axos Financial 4 Quarter 25 Earnings Call and Webcast. At this time, all participants are in a listen-only mode. The question and answer session will follow the formal presentation. If anyone requires operator assistance during the conference, please As a reminder, this conference is being recorded. It is now my pleasure to introduce you to your host, Johnny Y. Lai, SVP, corporate development and IR. Thank you, John. You may begin. Johnny Y. Lai: Thanks, Alicia. Good afternoon, everyone, and thanks for your interest in Axos. Joining us today for Axos Financial Inc. Fourth quarter and fiscal 25 financial results conference call are the company's President and Chief Executive Officer, Gregory Garrabrants and Executive Vice President, and Chief Financial Officer, Derrick Walsh. Gregory and Derrick will review and comment on the financial and operational results for the quarter and fiscal year ended 06/30/2025. And we will be available to answer questions after the prepared remarks. Before I begin, I would like to remind listeners that prepared remarks made on this call may contain forward looking statements that are subject to risks and uncertainties that management may make additional forward looking statements in response to your questions. Please refer to the Safe Harbor statement found in today's earnings press release and in our investor presentation for additional details. This call is being webcast and there will be an audio replay available in the investor Relations section of the company's website. Located at axosfinancial.com for 30 days. Details for this call were provided on the conference call announcement and in today's earnings press release. Before handing over the call to Gregory, I would like to remind listeners that in addition to the earnings press release, we also issued an earnings supplement in an 8-K with additional financial schedules. All of these documents can be found on Axos Financial.com. With that, I would like to turn the call over to Gregory. Gregory Garrabrants: Thank you, John. Good afternoon, everyone, and thank you for joining us. I would like to welcome everyone to Axos Financial's conference call for the fourth quarter of fiscal 25. Ended 06/30/2025. I thank you for your interest in Axos Financial and Axos Bank. We delivered strong results this quarter, generating $856 million of net loan growth linked-quarter, 6 basis points of net interest margin expansion and an 18% year over year increase in book value per share. We continue to generate high returns as evidenced by the 17% return on average common equity and a 1.9% return on assets in the 3 months ended 06/30/2025. Other highlights in the quarter include net interest income was $280 million for the 3 months ended 06/30/2025, up 7.7% from the $260 million in the prior year period. Net interest margin was 4.84% for the quarter ended 06/30/2025, up 6 basis points from the 4.78% in the quarter ended 03/31/2025. 1 loan …

Leadership Team of AX

10 executives

Name	Title	Compensation	Gender	Year Born	Status
Gregory Garrabrants	President, Chief Executive Officer & Director	USD 2,802,472	Male	1972	Active
Derrick K. Walsh	Executive Vice President & Chief Financial Officer	USD 886,500	Male	1983	Active
Brian D. Swanson	President of Consumer Bank	USD 885,250	Male	1980	Active
John Charles Tolla	Executive Vice President, Chief Governance, Risk & Compliance Officer	USD 819,000	Male	1977	Active
Thomas Constantine	Executive Vice President & Chief Credit Officer - Axos Bank	USD 798,200	Male	1962	Active
Eshel Bar-Adon	Executive Vice President of Strategic Partnerships & Chief Legal Officer	USD 671,400	Male	1955	Active
Andrew J. Micheletti	Executive Vice President of Finance	USD 586,600	Male	1957	Active
Johnny Y. Lai	Senior Vice President of Corporate Development & Investor Relations	—	Male	—	Active
Candace L. Thiele	Executive Vice President & Chief Administrative Officer	—	Female	—	Active
Ann Gill	Senior Vice President & Chief Accounting Officer	—	Female	—	Active

Recent News of AX

GuruFocus8/13/2026Neutral

Axos Target Rises to $120 on Growth Above Peers

Axos Financial (AX), the digital bank that runs branchless consumer and commercial lending, rose 1.67% intraday after Benchmark raised its price target to $120

GuruFocus8/12/2026Neutral

Hyundai Motor Group Accelerates AI Transformation Across Its Business, Advancing Toward the Physical AI Era

Hyundai Motor Group Accelerates AI Transformation Across Its Business, Advancing Toward the Physical AI Era PR Newswire

Defense World8/1/2026Neutral

Arrowstreet Capital Limited Partnership Has $10.46 Million Position in Axos Financial, Inc $AX

Arrowstreet Capital Limited Partnership boosted its stake in Axos Financial, Inc (NYSE: AX) by 8.5% in the first quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 122,888 shares of the company's stock after purchasing an additional 9,659 shares during the quarter. Arrowstreet Capital

Seeking Alpha7/30/2026Neutral

Axos Financial, Inc. (AX) Q4 2026 Earnings Call Transcript

Zacks Investment Research7/30/2026Neutral

Compared to Estimates, Axos Financial (AX) Q4 Earnings: A Look at Key Metrics

The headline numbers for Axos Financial (AX) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Historical Employee Count of AX

Current

2,191

Change

+10.16%

Minimum

1,335

Maximum

2,191

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Jun 30, 2026	2,191	10-K	Aug 20, 2026	View
Jun 30, 2025	1,989	10-K	Aug 21, 2025	View
Jun 30, 2024	1,781	10-K	Aug 22, 2024	View
Jun 30, 2023	1,455	10-K	Aug 29, 2023	View
Jun 30, 2022	1,335	10-K	Sep 8, 2022	View

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Axos Financial, Inc.